3335 Primrose Willow Dr · St. Cloud, FL 34773

$330,000

4 bd · 2.5 ba · 2,166 sqft · SingleFamily public records · 58 Days on market

Built 2004 4,124 sqft lot Est $390k · 15% under $8/mo HOA

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +14.4/15.0
• Cash flow +10.9/30.0
• Appreciation +4.8/10.0
• Schools +3.6/10.0
• DSCR +3.2/10.0
• 1% rule +2.9/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

Key facts

• Recessed lighting
• Rear-entry garage
• 42 wood cabinets

Tags

• ROCKING CHAIR FRONT PORCH
• REAR-ENTRY GARAGE
• COVERED BACK PORCH
• RECESSED LIGHTING
• STAINLESS STEEL APPLIANCES
• 42 WOOD CABINETS

Property features AI

Finance

• Other: Association fee required; Unfurnished
• Financial info: CDD present; Lease restrictions apply
• HOA & community: HOA: Mark Hills (monthly HOA approximately $8.36; annual association fee $100.35); HOA includes pool; Community amenities: fitness center, golf course, park, playground, pool, tennis courts, trails, racquetball, dog park, sidewalks; Deed restrictions; Pets allowed

Exterior

• Parking: Attached 2-car garage (20 x 20); Driveway
• Utilities: Public water; Public sewer; Public utilities
• Home design: Single family residence; Two levels; Faces southeast; Completed condition
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built with traditional residential construction materials
• Exterior features: Front porch; Rain gutters; Sidewalk; Paved driveway; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Solid wood cabinets; Thermostat
• Laundry & utility: Inside laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $-142 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $305k (7.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $261k (21.0% below list).
• Recommended offer: $261k (21.0% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.0% in St. Cloud — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Osceola (suburban): math 39% / reading 45% proficiency, ranked #60 of 73 in FL (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Harmony Community School (math 70% / reading 64%, grade B+, #450 of 2,144 statewide, top 22%, 1,012 students, 38% FRL); Narcoossee Middle School (math 55% / reading 57%, grade B-, #175 of 571 statewide, top 31%, 1,371 students, 46% FRL); Harmony High School (math 40% / reading 46%, grade F, #255 of 667 statewide, top 39%, 2,822 students, 42% FRL) — zoned schools average 42% FRL vs 60% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 55% at this address vs 42% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Osceola average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+1.8%/yr); 388 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 39% of the median local income ($81k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $742 of equity ($2k loan paydown + $-2k appreciation (-0.5% local appreciation)).
• Osceola County population projected at +73% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 58 days — a 3% lower offer ($320k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 12y ago; this cycle's ask has dropped $25k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $220k; list at $330k implies a 50% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $260,604 (21.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.79% ✗
• Cap rate: 5.78%
• Cash-on-cash: -1.84%
• DSCR: 0.92
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $389,880
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3325 Primrose Willow Dr	0.04mi	4/2.5	2,382 (+10%)	5mo	$399,332	$168	77
6913 Beargrass Rd	0.27mi	4/2.0	2,047 (-6%)	6mo	$385,000	$188	72
6905 Beargrass Rd	0.28mi	4/2.5	2,366 (+9%)	5mo	$374,000	$158	67
3223 Blazing Star Ln	0.50mi	3/2.0 (-1)	2,155 (-0%)	10mo	$405,000	$188	61
7047 Buttonbush Loop	0.30mi	3/2.5 (-1)	1,971 (-9%)	7mo	$355,000	$180	60
3320 Bracken Fern Dr	0.23mi	3/4.0 (-1)	2,448 (+13%)	1mo	$420,000	$172	56
3320 Cordgrass Pl	0.46mi	3/2.0 (-1)	1,957 (-10%)	2mo	$395,000	$202	54
3211 Dark Sky Dr	0.62mi	3/2.0 (-1)	2,070 (-4%)	4mo	$397,500	$192	53
3137 Dark Sky Dr	0.49mi	3/2.0 (-1)	1,957 (-10%)	2mo	$385,000	$197	53
6806 Butterfly Dr	0.61mi	3/2.5 (-1)	2,008 (-7%)	3mo	$360,000	$179	52
3450 Schoolhouse Rd	0.39mi	5/3.0 (+1)	2,456 (+13%)	4mo	$375,000	$153	50
6833 Goldflower Ave	0.45mi	5/3.0 (+1)	2,456 (+13%)	3mo	$419,900	$171	47

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.47% appreciation · 1.79% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.69×
• Total profit: $-29,016
• Equity at exit: $88,194

10-year hold

• IRR: -1.6%
• Equity multiple: 0.85×
• Total profit: $-14,150
• Equity at exit: $100,104

Cash invested: $92,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34773

• Home prices YoY: -0.2%
• Rents YoY: 1.8%
• Active inventory: 388
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,606 high
• Mortgage (P&I): −$1,731
• Tax from tax record: −$325 /mo · $3,897/yr
• Insurance: −$138
• HOA: −$8
• Vacancy / Maint / Mgmt: −$547
• Net cashflow: $-142

Break-even live

Break-even rent $2,786

Max offer price $304,904

Occupancy floor —

Sensitivity live

Price	-10% $45	-5% $-49	+0% $-142	+5% $-235	+10% $-329
Rent	-10% $-348	-5% $-245	+0% $-142	+5% $-39	+10% $64
Rate	-1.0pp $24	-0.5pp $-58	base $-142	+0.5pp $-228	+1.0pp $-315

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $82,500
• Closing costs: $9,900
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3303 Primrose Willow Dr Saint Cloud, FL	4.0	2.0	2047	$2,430	$1.19	26d	1	0.18mi
6927 Cupseed Ln Harmony, FL	3.0	2.5	1824	$2,195	$1.20	26d	1	0.19mi
6819 Goldflower Ave Harmony, FL	3.0	3.0	1880	$2,200	$1.17	6d	1	0.51mi
6819 Goldflower Ave Harmony, FL	3.0	2.5	1880	$2,200	$1.17	18d	1	0.51mi
3509 Clay Brick Rd Harmony, FL	4.0	2.5	2085	$2,550	$1.22	26d	1	0.52mi
7129 Red Lantern Dr Unit 7129 Harmony, FL	3.0	2.5	1855	$2,200	$1.19	5d	1	0.54mi
6817 Sundrop St Harmony, FL	3.0	2.5	2008	$2,235	$1.11	24d	1	0.55mi
7537 Wing Span Way Harmony, FL	4.0	3.0	2361	$2,500	$1.06	26d	1	0.92mi
3430 Sagebrush St Harmony, FL	3.0	2.0	1876	$2,380	$1.27	26d	1	0.99mi
2937 Hooded Crane Cv Harmony, FL	4.0	3.5	2841	$2,699	$0.95	26d	1	1.20mi
3164 Crispin Cir Harmony, FL	4.0	3.0	2200	$2,400	$1.09	26d	1	1.33mi
6833 Cranes Roost Rd Harmony, FL	4.0	2.0	1830	$2,350	$1.28	26d	1	1.38mi
3669 Sagefield Dr Harmony, FL	3.0	2.0	1515	$2,300	$1.52	26d	1	1.41mi
3687 Sagefield Dr Harmony, FL	4.0	2.5	2335	$2,350	$1.01	26d	1	1.44mi
6847 Botanic Blvd Harmony, FL	4.0	2.5	2306	$2,600	$1.13	26d	1	1.46mi
6877 Botanic Blvd Harmony, FL	3.0	2.0	1570	$2,500	$1.59	26d	1	1.49mi

HOA detail

• Monthly dues: $8 · $96/yr
• Likely covers: waterlandscapingpoolgym

Listing history 32 events

1. 2026-06-21
   days on market $330,000 Active 58 DOM
2. 2026-06-18
   days on market $330,000 Active 55 DOM
3. 2026-06-17
   days on market $330,000 Active 54 DOM
4. 2026-06-16
   days on market $330,000 Active 53 DOM
5. 2026-06-15
   days on market $330,000 Active 52 DOM
6. 2026-06-13
   days on market $330,000 Active 50 DOM
7. 2026-06-13
   days on market $330,000 Active 49 DOM
8. 2026-06-09
   pricedays on market $330,000 Active 46 DOM
9. 2026-06-08
   days on market $340,000 Active 45 DOM
10. 2026-06-07
    days on market $340,000 Active 44 DOM
11. 2026-06-04
    days on market $340,000 Active 41 DOM
12. 2026-06-03
    days on market $340,000 Active 40 DOM
13. 2026-06-02
    days on market $340,000 Active 39 DOM
14. 2026-06-01
    days on market $340,000 Active 38 DOM
15. 2026-05-31
    days on market $340,000 Active 37 DOM
16. 2026-05-12
    status Pending 1756-char remark

    Show marketing remark (1756 chars)

    Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

17. 2026-05-09
    status Pending
18. 2026-05-03
    price $340,000 1756-char remark

    Show marketing remark (1756 chars)

    Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

19. 2026-05-03
    price $340,000

    Show marketing remark (1756 chars)

    Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

20. 2026-04-04
    listed $355,000 Active 1756-char remark

    Show marketing remark (1756 chars)

    Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

21. 2026-04-04
    listed $355,000 Active

    Show marketing remark (1756 chars)

    Beautiful home located in the highly desirable community of Harmony! This spacious residence offers 4 bedrooms and 2.5 bathrooms, perfect for comfortable living and entertaining. Relax and unwind on the charming rocking chair front porch, ideal for enjoying Florida's beautiful weather. The home features a rear-entry garage with convenient alley access, along with a covered back porch that provides a welcoming transition into the home. The kitchen is designed to impress with recessed lighting, stainless steel appliances, 42'' wood cabinets, and a closet pantry, offering both style and functionality. All bedrooms are comfortably carpeted, and the spacious owner's suite includes a large closet and a private en-suite bathroom complete with dual sinks and a walk-in shower. Recent updates include a new roof installed in 2023. The home is also equipped with a water softener (not currently connected) and a hot water heater installed in 2015. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida's East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don't miss your opportunity to own this move-in-ready home -- schedule your private showing today! Buyer to verify all room measurements.

22. 2018-07-31
    soldstatus $220,000 Sold 583-char remark

    Show marketing remark (583 chars)

    Come relax on the front porch of the 2 story 4 bedroom 2.5 bath home in the desirable Green Certified community of Harmony. The many amenities include: 2 lakes for fishing and boating with free use of community owned canoes, kayaks and electric boats, 2 community pools, 12 miles of trails for hiking, running or biking, parks and playgrounds, dog parks, community recreation including basketball, soccer, volleyball or shuffleboard, a championship golf course and so much more. An easy commute to either the coast or Lake Nona Medical City and the Orlando area make this a must see.

23. 2018-07-19
    soldstatus $220,000
24. 2018-04-12
    status Pending 583-char remark

    Show marketing remark (583 chars)

    Come relax on the front porch of the 2 story 4 bedroom 2.5 bath home in the desirable Green Certified community of Harmony. The many amenities include: 2 lakes for fishing and boating with free use of community owned canoes, kayaks and electric boats, 2 community pools, 12 miles of trails for hiking, running or biking, parks and playgrounds, dog parks, community recreation including basketball, soccer, volleyball or shuffleboard, a championship golf course and so much more. An easy commute to either the coast or Lake Nona Medical City and the Orlando area make this a must see.

25. 2017-05-22
    listed $229,000 Active 583-char remark

    Show marketing remark (583 chars)

    Come relax on the front porch of the 2 story 4 bedroom 2.5 bath home in the desirable Green Certified community of Harmony. The many amenities include: 2 lakes for fishing and boating with free use of community owned canoes, kayaks and electric boats, 2 community pools, 12 miles of trails for hiking, running or biking, parks and playgrounds, dog parks, community recreation including basketball, soccer, volleyball or shuffleboard, a championship golf course and so much more. An easy commute to either the coast or Lake Nona Medical City and the Orlando area make this a must see.

26. 2016-06-22
    historical
27. 2015-06-18
    status Active
28. 2015-05-22
    historical
29. 2014-12-08
    status Active
30. 2014-11-22
    historical
31. 2014-06-20
    listed $214,900 Active
32. 2007-12-28
    soldstatus $190,700

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,897 · $325/mo
• Projected year-2 tax: $3,897 · $325/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,272
• − Mortgage interest: −$18,485
• − Property taxes: −$3,897
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,502
• − Management: −$2,502
• − HOA: −$96
• − Depreciation: −$9,600
• Taxable loss: −$7,460
• Est. tax savings @ 24.0%: +$1,790
• After-tax cash flow: $86/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Osceola
• NCES district ID: 1201470
• Math proficiency: 39% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $45,528
• Composite: 35.7/100
• National rank: #4865
• State rank: #60 of 73 in FL

Livability — St. Cloud

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Osceola County · 410,217 people
• City population: 29,247
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 5,816
• Household income: $80,524
• Rent vs Own: 10.2% rent · 89.8% own
• Severe rent burden: 47.0

Population outlook (Osceola County) Hauer SSP2

• Today (2025): 447,624 people
• By 2030: 511,823 · +14.3%
• By 2040: 642,986 · +43.6%
• By 2050: 774,552 · +73.0%
• By 2075: 1,078,144 · +140.9%
• By 2100: 1,269,660 · +183.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (59%)
• Race & ethnicity: White 59% Hispanic / Latino 33% Two or more races 11%
• Hispanic origin (detail): Puerto Rican 20%
• Common ancestry: Portuguese 5% Slovak 3% Romanian 2%
• Foreign-born: 12% · Canada, South Korea
• Languages at home: 67% English-only · Spanish 27% Other Indo-European 4% German/W. Germanic 1%

Political lean MEDSL · Osceola

• 2024 margin: Toss-up / Even · D 48.7% · R 50.2% · Other 1.1%
• 2008→2024 swing: -21.2pp toward R · 2008: 19.7pp · 2024: -1.4pp
• All cycles: 2024: R+1.4 2020: D+13.8 2016: D+25.0 2012: D+24.5 2008: D+19.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.47%
• Current HPI: 279.5662
• Rent YoY: ▲ 1.79%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+78.3% since first listed

17 events — show timeline

• 2026-05-12 Pending — SCMLS
• 2026-05-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-03 Price Changed $340,000 SCMLS
• 2026-05-03 Price Changed $340,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-04 Listed $355,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-04 Listed $355,000 SCMLS
• 2018-07-31 Sold (MLS) $220,000 Stellar MLS as Distributed by MLS Grid
• 2018-07-19 Sold (Public Records) $220,000 Public Records
• 2018-04-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-05-22 Listed $229,000 Stellar MLS as Distributed by MLS Grid
• 2016-06-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-06-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-05-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-12-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-11-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-06-20 Listed $214,900 Stellar MLS as Distributed by MLS Grid
• 2007-12-28 Sold (Public Records) $190,700 Public Records

Property tax history

+0.8%/yr

Latest (2025): $3,897 · +4.4% YoY. Source: county tax records.